Chase Ultimate Rewards: Maximize Your Earnings & Redemptions

BY 

Alex Miller

- UPDATED: July 8, 2021   |    3

1. Credit Cards

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Without a doubt, the Chase Ultimate Rewards program is the most popular travel rewards programs on the market among points and miles aficionados — and for good reason.

With tons of ways to earn Ultimate Rewards points, the program is arguably the best credit card rewards program currently available, and it should be a top priority for anyone who wants to book award flights.

Once you have tackled earning some points, you can redeem Ultimate Rewards for award flights or hotel award stays across the world.

Let’s dig into what the Ultimate Rewards program has to offer so you can start putting together your next amazing vacation!

What Is the Ultimate Rewards Program?

Chase Ultimate Rewards is a credit card rewards program that allows cardholders to earn points with every purchase.

These points can be redeemed a variety of ways but the best redemption option, by far, is for travel. Any of the other options such as redeeming for a statement credit or merchant gift cards is a poor use of these valuable points.

To earn Ultimate Rewards, you must hold an affiliated Chase credit card. Once you are approved for a Chase card that earns Ultimate Rewards, you will be enrolled in the program automatically.

The number of points you earn on purchases depends on which card you use and under what category the purchase will code. Each Ultimate Rewards card has bonus categories that allow you to earn between 2X and 5X points per dollar on many purchases.

With the right combination of Chase cards, you can earn tons of Ultimate Rewards.

Chase Ultimate Rewards Credit Cards

The key to earning Ultimate Rewards is the combination of Chase cards you choose. You can easily transfer Ultimate Rewards points to one of their airline or hotel partners once you have enough for a flight or hotel stay.

Keep in mind, you must hold at least one premium Ultimate Rewards card to transfer points to airline and hotel partners. You can combine Ultimate Rewards points from any cards that earn them to really boost your account.

Hot Tip: If you’re ready to get started and earn a ton of points quickly, check out how to earn 100k Chase points in 90 days!

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred card is the most popular Chase card thanks to its popular bonus categories. Holding this card also allows you to transfer Ultimate Rewards to travel partners.

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Benefits & Info

Best Offer Ever Chase Sapphire Preferred® Card Learn More (at Chase's secure site)

Earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That's $1,250 when redeeming points for eligible purchases with the new Pay Yourself Back tool, or for travel through Chase Ultimate Rewards® UP's Bonus Valuation*: $2,000 Earn 2x points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases. Earn 5x points on Lyft rides (including bikes and scooters) through March 2022. That’s 3X points in addition to the 2X points you already earn on travel. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21. Good to Excellent Credit Recommended (670-850) Annual Fee: $95 Must Reads: For more info on the Chase Sapphire Preferred, see our thoughts on its benefits and travel insurance coverage, which includes primary car rental insurance. Take a look at our full review to see why it's one of our favorite cards.

Earn 2X points per dollar on all your travel and dining expenses including flights, hotels, Uber, restaurants, bars, and more. Gas stations are not included in the travel bonus category. Plus, there’s a special 5X point per dollar earning rate on Lyft purchases.

Dining includes all restaurants and dining establishments, including bars, but does not cover other food-related expenses such as supermarket and grocery store purchases.

You will earn 1X point per dollar on all other purchases. The Chase Sapphire Preferred card has an annual fee of $95.

This is 1 of the 2 travel rewards cards from Chase that gives you additional travel benefits that you can’t get with cash-back cards.

Hot Tip: Each Chase card that earns Ultimate Rewards comes with a sign-up bonus that will really boost your points balance.

Chase Sapphire Reserve® Card

The Chase Sapphire Reserve card is the latest premium card offering from Chase. It is an enhanced version of the Chase Sapphire Preferred card as it earns 3X points per dollar on travel and dining purchases, 10X points per dollar on Lyft purchases, and 1X points per dollar on all other purchases.

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Key Benefits & Info

Chase Sapphire Reserve® Card Learn More (at Chase's secure site)

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Bonus Valuation*: $1,200 $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through 12/31/21, gas station & grocery store purchases will also count towards earning your Travel Credit 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓® Excellent Credit Recommended (740-850) Annual Fee: $550 Must Reads: For more on the Chase Sapphire Reserve, see our thoughts on its benefits, global airport lounge access, and travel insurance protection. Take a look here for our full review.

It also comes with a wide range of benefits including Priority Pass Select lounge access, a $300 travel credit per cardmember year (including gas and grocery purchases through December 31, 2021), a $60 DoorDash credit, a $100 credit to cover the Global Entry application fee, a Lyft Pink subscription for the primary cardholder (including Grubhub+/Seamless+ membership), a $120 Peloton Digital and All Access Membership statement credit (through December 31, 2021), benefits at The Parking Spot, cash-back from Groupon, and more.

Because this is a premium card, it has a $550 annual fee. Consider this Chase’s answer to The Platinum Card® from American Express.

Chase Freedom Flex℠ Credit Card

The Freedom Flex card is a cash-back card but the points can be combined with those from one of the premium Ultimate Rewards cards (i.e. one with an annual fee).

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Benefits & Info

Chase Freedom Flex℠ Credit Card Learn More (at Chase's secure site)

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open. Good to Excellent Credit Recommendation (670-850) Annual Fee: $0

This card is known for its quarterly bonus categories that allow you to earn 5% cash-back per dollar on up to $1,500 in spending in a variety of categories. When paired with a card such as Chase Sapphire Preferred card, the 5% becomes 5X points and even more valuable.

The quarterly bonus calendar changes each year, but typically covers categories such as supermarkets/grocery stores, transportation, gas stations, holiday shopping, and restaurants. There may also be specialty categories like wholesale clubs.

The Freedom Flex card earns unlimited 3% cash-back on dining and drugstore purchases and 1% cash-back on all other purchases and has no annual fee.

Chase Freedom Unlimited® Card

In 2016, Chase released the Freedom Unlimited card. It earns 5% back on travel through Chase Ultimate Rewards, 3% back on dining and drugstores, and 1.5% back on all other purchases, among other useful benefits.

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Benefits & Info

Chase Freedom Unlimited® card Learn More (at Chase's secure site)

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn unlimited 1.5% cash back on all other purchases. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open. Annual Fee: $0 Must Reads: For more info on the Chase Freedom Unlimited, see our thoughts on its benefits and our full review.

When paired with a premium Chase card, your cash-back can be converted into Ultimate Rewards points.

In a sense, this card turns every purchase into a bonus category so you’re always earning the maximum number of Ultimate Rewards possible.

There is no annual fee for the Freedom Unlimited card.

Ink Business Preferred® Credit Card

The Ink Business Preferred card is similar to the Chase Sapphire Preferred card and Chase Sapphire Reserve card, but the card is tailored to small business owners.

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Key Benefits & Info

Ink Business Preferred® Credit Card Learn More (at Chase's secure site)

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months. Bonus Valuation*: $2,000 Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn 25% more value when redeeming points through Ultimate Rewards® travel Good to Excellent Credit Recommended (670-850) Annual Fee: $95 Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite Chase business credit card.

It carries the same travel rewards benefits as the Chase Sapphire Preferred card and has the same annual fee.

The Ink Business Preferred card earns 3X points per dollar on the first $150,000 spent on combined purchases on travel, shipping purchases, the Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.

You will earn 1X point per dollar on all other purchases—with no limit to the amount you can earn. The Ink Business Preferred card has an annual fee of $95.

Ink Business Cash® Credit Card

The Ink Business Cash card is the no annual fee small business card option from Chase. It is tailored to new business owners as a cash-back card, rather than travel rewards card.

CREDIT CARD

BENEFITS & INFO

New Offer Ink Business Cash® Credit Card Learn More (at Chase's secure site)

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year Earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 0% introductory APR for 12 months on purchases, then a variable APR of 13.24%-19.24% Good to Excellent Credit Recommendation (670-850) Annual Fee: $0 Must Reads: For more info on the Chase Ink Cash Card, see our guide on its benefits and our full review. This is one of several business credit cards from Chase.

The card earns 5% cash-back on the first $25,000 in combined purchases at office supply stores and on the Internet, cell phones, landlines, and cable TV.

You will also earn 2% cash-back on the first $25,000 in combined spending at gas stations and restaurants. All other purchases will earn 1%.

As with Chase’s other no annual fee cards, when paired with a premium card, the 2% and 5% become 2X and 5X points per dollar.

This is a great card for small business owners, offering cash-back bonuses in many categories with no annual fee.

For additional information on the perks associated with this card, read up on our article featuring the many benefits of the Ink Business Cash card.

Bottom Line: With the right combination of Chase cards, you can earn tons of points thanks to the numerous bonus categories.

Earn Bonus Points With The Chase Shopping Portal

Earn the most points per dollar by shopping at the Chase rewards mall when shopping online. Choose from more than 240 stores with unlimited earnings of 1X to 6X bonus points per dollar just for going through the portal to shop!

The bonus points you can earn are on top of any bonus categories on one of the Chase Ultimate Rewards cards.

You can also maximize earnings by using the Freedom Flex card in department stores when they are included in the quarterly bonus category plus any bonus points offered through the Chase shopping portal.

Using the Freedom Unlimited card is a smart choice for all other purchases that don’t fall within a bonus category bonus since it earns 1.5% (or 1.5X points) per dollar on all purchases outside of its bonus categories.

Be aware that you must use the link provided in the shopping portal and make your purchases during the same visit in order to receive these points. There are also restrictions on using coupons and other types of deals.

The following is a table of available partner stores in the Chase shopping portal and their bonus earnings. The list is not exhaustive and the bonus rates are subject to change.

Earn Points by Booking Through the Chase Travel Portal

Use the Chase travel portal to book flights, hotels, cars, and activities.

Booking travel-related activities through the Ultimate Rewards travel portal lets you earn at the same rate as your cards.

Prior to 2016, Chase offered a bonus point for each dollar spent, but this is no longer available.

This means you’ll earn 2X points on the Chase Sapphire Preferred card. You will earn 3X points when using the Chase Sapphire Reserve card or Ink Business Preferred Card.

Booking through the Chase tool works similar to any other booking tool. It does not have as powerful of features as the ITA Matrix or Google Flights, but most prices are the same.

To ensure you get the best price when searching for airfare in the Chase rewards travel tool, make sure to compare it to at least two other site’s results before booking.

Without the extra point earned, it actually makes no difference if you book through the tool or another travel site.

One advantage of booking through the portal is that your loyalty program information can be stored in the system and you’ll automatically earn miles when you book. Practically speaking, Chase buys the ticket on your behalf.

Remember that you can input all your travel information into your profile, so if you are using the tool frequently you won’t need to re-input that information each time.

Keep in mind, if you book a hotel stay through the Chase travel portal, it’s unlikely your elite status will be recognized by the hotel and you are unlikely to earn hotel points for your stay. Hotels almost always require you to book directly with them to earn points and receive the perks of your elite status.

Earn Points With Chase Refer-A-Friend

We all like to share things we like with our friends, but it’s even better to get a reward for it!

You can earn between 5,000 and 10,000 points simply by referring a friend to a Chase card, with a maximum of 50,000 points in yearly earnings from referrals.

To find your referral link, go to Chase’s Refer-A-Friend page. You will be directed to the following screen:

Just input your details to see if your card has available referrals. Each card must be inputted separately. Here is an example of a referral page:

If you have difficulty with the referral link, call customer service.

Hot Tip: Send your friends the referral link via email and encourage them to get started to earn your bonus points!

How to Redeem Ultimate Rewards Points

The ways you can redeem your Ultimate Rewards points is determined by which cards you have.

1. Travel Rewards Cards (Chase Sapphire Preferred card, Ink Business Preferred Card, Chase Sapphire Reserve card), and
2. Cash-back Cards (Chase Freedom, Chase Freedom Unlimited, Ink Business Cash Card)

Travel rewards cards offer all the same redemption benefits as cash-back cards, but not the other way around.

We’ll discuss all the ways you can utilize your rewards, but if you’re looking for specific travel redemption options, check out the best ways to redeem Chase points for travel!

Redeem Ultimate Rewards For Travel

Having the Ink Business Preferred Card, Chase Sapphire Preferred card, and Chase Sapphire Reserve allows you to transfer Ultimate Rewards points to travel partners which are almost always the best ways to use your points.

Chase Transfer Partners (Airlines & Hotels)

Transferring points to airline and hotel partners will often be the best use of your points.

To transfer points, go to the “Use Points” menu option and select “Transfer to Travel Partners” from the drop-down menu.

This brings you to a page where you’ll select the loyalty program and a number of points to transfer. You will need the login details of your desired loyalty account (or you will need to create one).

The information in your travel profile must match the personal information in your desired loyalty account. You cannot transfer points to accounts of other people unless they are a member of your household.

The transfer, like all point transactions, can take up to 6-8 weeks. However, many are completed almost instantly or within 24-48 hours. You must transfer a minimum of 1,000 points, and can only transfer in 1,000 point increments.

Once completed, points cannot be transferred back into your Chase account so make sure you want to transfer the points!

Hot Tip: You don’t need a HUGE chunk of points in order to take advantage of your Chase Ultimate Rewards… check out our guide to the best ways to use 10K (or fewer) Chase UR points for some ideas! 

Chase Airline Transfer Partners

When you sign in to transfer points, you’ll get the following screen:

Chase Hotel Transfer Partners

Again, you’ll get the following screen when you sign in to transfer points:

Chase Travel Portal

If you have the Ink Business Preferred card or Chase Sapphire Preferred card, your Ultimate Rewards points are worth 1.25 cents each when booking travel through the Chase travel portal.

The Chase Sapphire Reserve card provides the best deal through the travel portal as each point is worth 1.5 cents each.

If you have this card and are booking an economy ticket or hotel stay, make sure you compare the points cost of transferring versus booking through the travel portal. Sometimes, the travel portal will actually be the better way to go.

Chase Experience Portal

The Chase Experience option, also known as Exclusive Events, is great if you’re looking for alternative ways to use your points.

Chase curates exclusive experiences that you would likely not be able to access on your own.

Check back often for exclusive offers and redemption values as they are updated on a regular basis.

It is hard to do a true or general valuation on the Exclusive Events portal since they are unique experiences and one person may value it differently than another.

You should compare the dining offers to those offered through Restaurants.com (via the Chase shopping portal for bonus points).

You can pay for these offers with cash or points at a value of $0.01 per point.

Keep in mind that the Experience Portal is a separate domain, and once you’ve been transferred there you must manually navigate back to the Ultimate Rewards site.

You will possibly be prompted to input your login information a second time when you return to the Ultimate Rewards site.

Chase Dining Hub

Cardholders of the Chase Sapphire Preferred card, Chase Sapphire Reserve card, Freedom Flex card, or Ink cards receive access to the Chase Dining hub via Ultimate Rewards online.

This new program offers benefits like exclusive Chase Cardmember tables, virtual dining experiences with top chefs, curated meals to-go, and the ability to redeem Chase Ultimate Rewards Points for Tock app purchases through September 30, 2021.

Other Redemption Options

All cards have four basic redemption options. Each redemption in these categories offers the standard redemption value of 1 cent per point, with a higher value in specific areas.

Cash-Back as Statement Credit or Direct Deposit

Chase lets you use your points as credits on your statement at $0.01 per point. Simply transfer your cash-back earnings to your balance as a statement credit.

To redeem for statement credit, click the “Use Points” option on the Ultimate Rewards home screen, and then click “Get Cash Back.” The minimum redemption amount is $20.00, or 2,000 points.

From the same screen, you can also make a direct deposit into your bank account.

Click the “Select an Account” drop-down at the bottom of the page. Keep in mind that direct deposits may be considered income and require you to report it to the IRS.

Cashing out your Ultimate Rewards this way is a poor way to redeem your points.

Gift Cards

You can redeem your cash-back earnings for gift cards to places where you normally shop such as iTunes, Lowe’s and more.

Most options are valued at 1 cent per point. However, some gift cards offer a better value. For instance, Kohl’s gift cards are offered at a 10% discount or 1.1 cents per point.

This is an awful way to use Ultimate Rewards points.

Shopping Rewards through Amazon.com

Chase Ultimate Rewards now partners directly with Amazon.com for merchandise redemptions. This means you can shop directly on Amazon’s website, rather than go through the Chase shopping portal.

Before September 1, 2016, your Chase points were valued at 1 cent per point on Amazon and were debited upon shipment of the product.

Now, 125 points are worth $1 for a value of $0.008 per point, which is a bit lower of a value. You can also combine your points with cash or other payment methods.

Amazon also gives you the option to link your Chase and Amazon accounts at any time, including at the time of checkout.

This is a terrible use of Ultimate Rewards points.

Chase Travel Portal

While they are not technically travel rewards cards, you can still use cash-back earnings from your Freedom Flex card, Freedom Unlimited card, and Ink Business Cash card when you book flights, hotels, cars, and other activities.

The caveat is that the value of these points is still valued at 1 cent per point.

The Chase travel portal works the same whether booking rewards or booking with cash. At the time of your purchase, Chase gives you the option to use your points to offset any portion of the ticket you want with points.

Do yourself a favor and combine your Ultimate Rewards points from a no-annual fee card with a premium Chase card so you can get outsized value from your points.

The Chase Portal

Now that we’ve discussed how to earn tons of Ultimate Rewards points and redeem them for maximum value, let’s review how to navigate the Ultimate Rewards site.

How To Sign Into Your Account

To manage your account, simply sign in using your Chase login:

From the login screen, click on “Ultimate Rewards”, which is found on the left sidebar in the new website design.

Alternatively, instead of the above two steps, you can go to the specific Chase UR login:

Once you log in, select the card you want to view and you’ll be directed to the home page for that card.

View Your Points Summaries

The home page screen of any of your credit cards lets you view your earned and available points, your transaction details, and which points will appear on your next statement.

You will also find information on how to use your available points and how to earn more points.

Earn and use points with a variety of online shopping and gift card options:

Earn and use points with a variety of local and national shopping options:

Or, use your points to find things to do in your area:

How to Check Your Chase Credit Card Category Bonus Spend

With Chase’s new dashboard in Ultimate Rewards, it’s easy to check the bonus category spend on Chase credit cards.

Simply sign into your Ultimate Rewards page for whichever card you want to check, and check out your dashboard. The right-hand column will have data for your current spending on your cards.

Switching Between Cards

If you want to view information associated with another card, simply click on the card from the drop-down menu on the top right.

Create up to nine Chase Travel Profiles for instant access to Chase rewards and easy booking:

Combining Your Points onto One Card

From this main screen, you can also combine all of your points onto one card. Your points will need to be combined under the Chase Sapphire Preferred card, Chase Sapphire Reserve card or Ink Business Preferred card so you can transfer to travel partners.

Select “Combine Points” from the upper right menu under your total points, and you will be guided through the process.

Hot Tip: If you are thinking about closing one of your Chase cards, be sure to spend any outstanding points or transfer them to another card beforehand to avoid losing them forever.

What are Chase Rewards Points Worth?

Chase follows the industry standard when points are used for basic redemption. In this case, each point is worth 1 cent.

However, when you use your cards to redeem travel rewards via the Chase travel portal, the value of each point increases to a minimum of 1.25 cents or 1.5 cents per point.

When you transfer points to any Chase reward travel partners, the redemption value of each point can be worth even more with some redemptions at up to 5-8 cents per point for international first and business class options.

Ultimate Rewards Points Expiration

Unlike standard rewards programs that cancel your points if your accounts are inactive for 6-18 months, your Chase rewards points never expire, as long as your accounts are open and in good standing.

This is similar to the other bank rewards programs like American Express Membership Rewards and Citi ThankYou Rewards.

Once you cancel your account, the points are forever lost. However, you can product change your card to a no annual fee Chase card.

Comparing Ultimate Rewards To Other Transferable Points

It’s pretty clear that you can get some great travel by earning and redeeming Ultimate Rewards points, but how do they compare to other transferable points programs?

Ultimate Rewards vs. Membership Rewards

So, which program is better: Ultimate Rewards or American Express Membership Rewards? Each program features credit cards that earn points that can be spent in similar ways.

Both programs have their pluses and minuses. For instance, there are more Amex credit cards (12+) that can help you earn Membership Rewards points. Chase only provides 6 credit cards that earn Ultimate Rewards.

Membership Rewards also has more travel partners with 20 total. Ultimate Rewards only has 13. However, when used correctly, both cover most airlines and awards through the various alliances. Chase also has the advantage of a partnership with the World of Hyatt program.

One advantage of Ultimate Rewards is the shopping portal. American Express no longer has a shopping portal you can use to earn additional points, although they do have American Express Offers.

You will be charged a small fee of $0.0006 per point (maximum of $99 per transaction) to transfer Membership Rewards to U.S. carriers. There are no fees to transfer to international carriers.

While starting with Ultimate Rewards is probably your best move, Membership Rewards should be high on your list. There are tons of ways to redeem Membership Rewards for some fun travel.

Ultimate Rewards vs. Marriott Bonvoy

While Chase provides several cards that earn Ultimate Rewards, you can earn Marriott points with cards from American Express and Chase. Transfers from Ultimate Rewards process almost instantly in many cases, while transferring Marriott points can take days, and sometimes over a week.

However, Marriott has over 40 airline transfer partners and can be used to book hotel stays as well.

Similar to Membership Rewards, Marriott points should be a priority after Ultimate Rewards. While the transfers can take a bit longer, there are some amazing ways to redeem Marriott points for some amazing flights and hotel stays.

Ultimate Rewards vs. ThankYou Points

Finally, we have Citi ThankYou Points. This program isn’t as well known as the other transferable points programs but you can redeem ThankYou Points for some awesome travel experiences.

You can transfer ThankYou Points to 13 airline partners or Hilton (though, this isn’t advisable), but not all transfer at a 1:1 ratio like Chase.

There are only three cards that earn ThankYou Points and only two of those allow transfers to travel partners.

This can be a very useful program down the line but is definitely not a priority compared to Ultimate Rewards.

Final Thoughts

When applying for Chase cards, keep in mind the 5/24 rule. If you have opened 5 or more cards (not including most business cards) in the last 24 months, you will not be approved for a Chase card.

For that reason, these are almost always the best cards when you are just starting as they allow you to accumulate points that can be used to fly with tons of different airlines thanks to their airline transfer partners. On top of that, you can transfer to Hyatt for some amazing Hyatt redemptions.

With 6 cards that can help you earn Ultimate Rewards points and some amazing redemption options, you’ll be glad you learned about this program.